Mortgages for Landlord Purchase

Buying a property to rent out in your own name means a different kind of mortgage. Buy-to-let lending is built around the rental income the property will generate, not just your personal earnings, with lenders stress-testing whether the rent can comfortably cover the payments at higher interest rates.

Our mortgage advisers compare personal-name buy-to-let deals across the whole market, from high-street names to specialist BTL lenders, and help you get the structure right from day one: repayment type, loan-to-value, rental coverage, and how this purchase fits your wider portfolio plans.

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Landlord purchase mortgages by deposit size

Your deposit, and the rental coverage the property can support, sets your loan-to-value (LTV), which drives the rates available to you. Use the tabs below to compare today's lowest true-cost personal-name buy-to-let deals across different deposit sizes.

These tables show illustrative best-buy deals for a typical personal-name buy-to-let purchase. Your own rate and options depend on the property, the rent achievable, and your circumstances. Speak to a mortgage adviser for a personalised comparison.

Explore our landlord purchase resources

From rental coverage calculations to structuring your first purchase and growing a portfolio, we've pulled together everything you need in one place.

How our landlord purchase mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.

Buy-to-let lenders we work with

As an independent broker we search deals from a wide panel of high-street and specialist buy-to-let lenders, not just one. That means more options for your purchase, including lenders who'll consider portfolio landlords, varied experience levels, and properties that don't fit the standard mould.

82+ lenders

ACC

ALD

apr

ATM

BOI

BWO

BBB

BBV

BST

CHY

BBU

CAM

CHL

BCO

CLY

cob

BCV

BDA

DUD

FAM

FLE

FHL

BFU

GRH

GOD

BHX

HTB

han

BHI

HLT

HSB

ITB

ips

KMC

KBS

KEY

LDB

BLH

LEE

LIV

BLF

mag

BMN

MFS

BMH

BMS

mas

BME

MET

mod

MOL

BMO

MQU

MTF

BNW

nabs

CNW

NBS

BNT

PAR

PEP

per

PRE

BPR

BPG

001

BSA

CAN

SBS

SBI

BIP

003

TML

CCN

BMF

TSB

UTB

VBS

VDA

WBB

WTO

ZPR

Buy-to-Let Guides for Landlords

Can You Have More Than One Buy-to-Let Mortgage? A Landlord's Guide to Scaling Up

A practical guide to holding multiple mortgages in the UK, including residential, buy-to-let, holiday let and second-charge scenarios—what lenders typically look at and how to plan for affordability and risk.

How to get a buy-to-let mortgage

A practical guide to securing a buy-to-let mortgage as a first-time property investor, including how lenders assess applications and how to prepare your finances and documents.

Buy-to-Let Mortgage Stress Tests Explained: A Landlord's Guide to ICR and Affordability

Learn what buy-to-let mortgage stress tests are, how lenders assess affordability using rental income and interest coverage, and practical ways landlords can prepare their application.

Green Buy-to-Let Mortgages: A Landlord's Guide to Financing Energy-Efficient Property

An overview of green buy-to-let mortgages, how EPC requirements work, and why energy-efficient homes can support landlord profitability and tenant demand.

Applying for a Buy-to-Let Mortgage Online: A Landlord's Guide to the Process

How an online Buy-to-Let application gathers the information lenders need, what you can expect from the process, and how it helps shape the next steps.

Is There an Age Limit for a Buy-to-Let Mortgage? A Landlord's Guide to Later-Life Lending

Learn how mortgage age limits work in the UK, what lenders mean by “end of term” caps, and the options available for older borrowers—plus what’s different with buy-to-let.

Considering a Buy-to-Let Mortgage: First-Time Buyers Guide

A practical guide for first-time investors thinking about a buy-to-let mortgage, including how buy-to-let differs from residential lending, what lenders typically assess, and how to prepare for the application.

Are IT Contractors Self-Employed? A Buy-to-Let Landlord's Guide to Mortgage Status

A practical guide to whether IT contractors are classed as self-employed, how common working structures differ, and how each can affect residential and buy-to-let mortgage options.

Getting a Buy-to-Let Mortgage After Bankruptcy: A Landlord's Guide to Approval

Understand how bankruptcy affects buy-to-let mortgage applications, what lenders typically look for, and how to prepare your finances and paperwork to improve your chances.

Buy-to-Let News for Landlords

Are you a BTL mortgage prisoner?

Understand what a “BTL mortgage prisoner” is, why it can happen, and the practical options landlords may have when refinancing becomes harder.

Mortgage considerations in light of the recent Bank Base Rate reduction (Buy-to-Let)

A market update for landlords on what a Bank Base Rate reduction can mean for buy-to-let mortgages, including affordability, interest cover, product choice and refinancing timing.

Our mortgage predictions for 2025 (and what they could mean for landlords)

A professional 2025 mortgage market outlook covering base rate expectations, fixed-rate trends and practical implications for buy-to-let landlords.

Bank of England holds base rate at 3.75%: what it means for mortgage pricing

A market update on the Bank of England’s decision to hold the base rate at 3.75% and how it can affect mortgage rates, lender repricing and timing for buy-to-let landlords and home-buyers.

Landlords face a five-year EPC deadline: what it could mean for buy-to-let

A timely look at proposed EPC energy-efficiency deadlines, the potential retrofit costs, and how these changes may affect buy-to-let financing and lender approaches.

Buy-to-Let Watch Episode 9: Specialist lending for complex landlord cases

A landlord-focused market update on how specialist buy-to-let lenders support advisers when cases become more complex, including the role of BTL second charge finance and equitable charges.

Buy-to-Let Watch Episode 13: Helping landlords prepare for EPC reform

A landlord-focused look at the latest EPC reform momentum and what it could mean for buy-to-let finance, portfolio planning and energy-efficiency upgrades.

The Renters’ Rights Bill: what buy-to-let landlords must know

A clear overview of the Renters’ Rights Bill and the practical implications for buy-to-let landlords, including changes to possession, rent increases, tribunals, compliance duties and property standards.

How does the Bank of England base rate affect you as a landlord?

A landlord-focused explainer on how Bank of England base rate changes can influence buy-to-let mortgage costs, cash flow, tenant affordability, and property values.

Ready to talk through your buy-to-let purchase?

Tell us about the property and your plans, and one of our mortgage advisers will come back with clear, no-pressure guidance on your next steps, whether that's your first buy-to-let, an addition to an existing portfolio, or somewhere in between.